Best Cheap Car Insurance Quotes for Good Drivers in Texas

Best Cheap Car Insurance Quotes for Good Drivers in Texas

Our staff writers always rib each other than when writing about car insurance, the words “affordable” or “cheap” shouldn’t be used anywhere to describe car insurance rates. Sad but true, cheap car insurance for good drivers can be hard, if not impossible, to find. Don’t get your dauber down, because we will tell you how you can get auto insurance that is cheaper than what you are paying now.

For safe drivers, one of the largest components that is used by insurance companies to determine the price of your policy is the neighborhood you call home. Regions with larger populations or more claims like McAllen, Laredo, and Amarillo will most likely pay more, whereas areas that are not as densely populated have the luxury of lower rates.

The illustration below displays the highest-priced areas in Texas for good drivers to buy auto insurance in.

Where does Texas rank for car insurance cost?
Rank City Annual Premium
1 McAllen $1,996
2 Dallas $1,893
3 Laredo $1,889
4 Brownsville $1,870
5 Amarillo $1,858
6 Houston $1,835
7 Pasadena $1,812
8 Garland $1,778
9 Mesquite $1,771
10 Grand Prairie $1,740
11 Irving $1,736
12 San Antonio $1,722
13 Beaumont $1,720
14 Lubbock $1,716
15 Arlington $1,642
16 Austin $1,627
17 Plano $1,624
18 Corpus Christi $1,620
19 El Paso $1,616
20 Carrollton $1,615
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Prices are estimated as the specific garaging location can lower or raise prices noticeably.

We all have different tastes in cars, and the vehicle driven is one of the largest considerations when quoting the best cheap car insurance for good drivers in Texas. Vehicles with higher performance characteristics, poor safety ratings, or an increased likelihood of liability claims will cost more to insure than safer models. The tables below shows insurance costs for some of the cheapest automobiles to buy insurance for.

Insurance Rates for Popular Cars in Texas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Ford Focus S 4-Dr Sedan $1,422 $711 $119
Ford Fusion SEL 4-Dr Sedan $1,578 $789 $132
Honda Accord EX 2-Dr Coupe $1,636 $818 $136
Honda Civic SI 4-Dr Sedan $1,632 $816 $136
Hyundai Elantra GLS 4-Dr Sedan $1,544 $772 $129
Hyundai Sonata SE 4-Dr Sedan $1,636 $818 $136
Kia Optima LX $1,548 $774 $129
Nissan Altima 2.5 4-Dr Sedan $1,456 $728 $121
Toyota Camry SE $1,544 $772 $129
Volkswagen Jetta 2.0T Station Wagon $1,474 $737 $123
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Data based on single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, claim-free, multi-vehicle, homeowner, and multi-policy. Rate quotes do not factor in specific zip code location which can raise or lower prices noticeably.

Insurance Rates for Popular SUVs and Crossovers in Texas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura RDX AWD $1,352 $676 $113
Cadillac Escalade Hybrid 2WD $2,034 $1,017 $170
Chevrolet Suburban LT 2WD $1,490 $745 $124
Chevrolet Traverse LT 2WD $1,298 $649 $108
Ford Escape Limited 2WD $1,264 $632 $105
Ford Expedition Eddie Bauer 2WD $1,474 $737 $123
Ford Explorer Eddie Bauer 4WD $1,490 $745 $124
GMC Acadia SLE 2WD $1,368 $684 $114
Honda CR-V EX 4WD $1,264 $632 $105
Honda Pilot EX-L 2WD $1,490 $745 $124
Jeep Grand Cherokee Limited 4WD $1,578 $789 $132
Nissan Pathfinder LE 4WD $1,490 $745 $124
Subaru Forester XT AWD $1,508 $754 $126
Toyota Highlander Hybrid Limited 4WD $1,612 $806 $134
Toyota RAV4 Limited 4WD $1,456 $728 $121
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Premium amounts do not factor in vehicle garaging location which can change premiums substantially.

Insurance Rates for Popular Pickup Trucks in Texas
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT 2WD $1,300 $650 $108
Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 2WD $1,880 $940 $157
Chevrolet Silverado 3500HD LTZ Crew Cab 2WD $1,646 $823 $137
Chevrolet Silverado LS Crew Cab 4WD $1,578 $789 $132
Dodge Ram 2500 Mega Cab Laramie 4WD $1,826 $913 $152
Dodge Ram Crew Cab Laramie 2WD $1,704 $852 $142
Ford F-150 STX Super Cab 2WD $1,334 $667 $111
GMC Sierra 3500HD SLE Crew Cab 4WD $1,874 $937 $156
GMC Sierra Denali Crew Cab 2WD $1,700 $850 $142
Toyota Tundra SR/5 Double Cab 4WD $1,582 $791 $132
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Above prices assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Rates do not factor in vehicle garaging location which can affect coverage prices significantly.

Insurance rate increases from tickets or accidents

The common sense way to score the most affordable insurance premiums for safe drivers is to be an attentive driver and not get tickets or have accidents. The illustration below shows how traffic citations and fender-benders can raise car insurance costs for different age groups of insureds. Data assumes a married male driver, comprehensive and collision coverage, $250 deductibles, and no discounts are applied to the premium.

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The data above shows the average cost of an auto insurance policy per year with no accidents and a clean driving record is $2,318. Receive one speeding ticket and the average cost hikes up to $2,662, an increase of $344 each year. Now get one accident along with the one speeding ticket and the annual cost of insurance for good drivers increases to an average of $3,634. That’s an increase of $1,316, or $110 per month, just for not keeping your driving record clean!

How to find economical car insurance for good drivers

It is possible to find better rates, and here are some of the recommended penny-pinching solutions that can help Texas drivers get the cheapest auto insurance.

  • If possible, do not file small claims
  • Drivers with good credit ratings often pay less
  • Violations like speeding or DUI increase rates
  • Higher physical damage deductibles lower rates
  • Save money by insuring your home and auto with the same company
  • Avoid preventable accidents
  • Compare rates regularly to ensure the best deal

The last item on the list is incredibly crucial, as we stressed in this article. Coverage rates can change significantly in a year, so you should be ready to buy from a new company if you find a better deal. Sticking with a specific company is fine, but it’s not a good idea if your bullheadedness ends up costing you several hundred dollars every year. Take a few minutes and shop around to find cheaper car insurance for good drivers.